It’s no surprise that having kids is EXPENSIVE. Not even considering those larger future investments, like college, just the day to day things can really add up. School supplies, sports equipment, new clothes, birthday gifts, GROCERIES- it’s a never ending stream of things needing to be paid for. While there isn’t a way to avoid buying these, there is a way to use them to your advantage! You can use that everyday spending to pay for what you really want- like vacations, new tech equipment, or perhaps a trip to the spa; just by shopping wisely and with the right tools.
A few years ago we finally paid off our credit card debt and it was an amazing feeling! It look a while but once we did it was an extraordinary accomplishment. Once we didn’t have that looming over our heads, we could begin to make our credit cards work for us but using the rewards programs that were available.
There are so many credit cards out there with so many options for rewards, it’s hard to know which is the right for you. Thankfully there is CreditCards.com. Through innovative tools, experiences and advice, CreditCards.com is a site that really can help people find the right cards and use them the right way—everyday. If you have paid off your debt treat your credit cards like you would use your debit card. Only use them to buy things that you have the money for. In our house, I like to make a few purchases a month with them and I am sure to pay the balance off at the end of the month in full. I like to use mine to buy things like groceries, gas and those pesky kid expenses. Then I can pay the balance off so we don’t get charged a fee and reap the rewards!
CreditCards.com’s goal is to help people seize greater opportunity through smarter spending. They have tons of interactive tools that can help you use and grow your credit smartly so you can get better interest rates on future loans like for a new home or car. They also rate and review hundreds of credit cards to provide objective, useful comparative information to help you choose the right card for you. Finding the right credit card for your needs can be tricky. I love that they have the information you need to make an informed decision all in one place.
One of our cards is through our bank and gives us cash back on purchases we make everyday. I can then use that cash back to purchase Christmas or birthday presents for my kids, save for a future vacation or just spurge on something we may not normally get- like a couples massage or a pedicure. Our second credit card is a business card for my husbands work. Since he is constantly traveling and staying in hotels, each purchase helps us to earn points for future hotel visits for us. It does take a little while to accrue them, but it’s worth it. The last time we took a family trip to Washington DC, we got our hotel visit totally for free- it was amazing!
Using credit cards to earn travel rewards is all about being smart. Don’t open a new card if you’re in debt or struggle with spending when you shouldn’t. If you know that you can be wise with your spending, earning some rewards while you spend is an easy way to make your money work for you. So the next time back to school season, Christmas shopping or new a new sports season comes around, instead of stressing about all the spending you’re doing, you can look forward to the vacations or perks to come!
Raising a family of 3 growing kids is expensive. It is no surprise that the amount they eat is drastic, extra curricular activities always seem to cost more than you expect, and back-to-school costs definitely increase each year. Now more than ever, it is so important to make every dollar count which is why I love the fact that sites like CreditCards.com can help families just like mine learn how to use their credit cards wisely and to your best advantage. Being smart and picking a credit card that matches your family’s goals is a sure fire way to make the most of those day to day expenses and make them work for YOU.
What financial goal is your family working towards?
I was selected for this opportunity as a member of CLEVER and the content and opinions expressed here are all my own.